Best American Staffordshire Terrier Pet Insurance of October 2021

Lisa Scott

Taking the best care of our beloved pets requires us to consider their overall health and safety. You can prioritize your American Staffordshire Terrier’s health by investing in quality pet insurance coverage.

Customizable plan to fit your pet's needs

$10,000

Annual Coverage

90%

Reimbursement Rate

Overview

ASPCA® Pet Health Insurance program offers coverage on accidents, illnesses, and optional preventive care (at an additional cost) at affordable monthly premiums. It has a robust customer service center that will guide you through your pet insurance needs and help your pet receive great care during emergencies. The provider also offers a wide range of reimbursement options, deductibles, and annual limits to help you customize your policy to suit your financial needs.

What we like

  • Customizable plans to fit your pet's needs and financial situation
  • Prescription medication coverage for covered conditions
  • Optional wellness plan (at an additional cost)
  • Fast and simple filing of claims
  • Vet finder feature to help you to locate a licensed vet clinic within your area

What we don't

  • Does not cover pre-existing conditions
  • 14 day waiting period

Disclosure provided by the ASPCA Pet Health Insurance program: Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Complete Coverage℠ reimbursements are based on the invoice. Preventive and Wellness Care reimbursements are based on a schedule. Products, schedules, discounts, and rates may vary and are subject to change. More information available at checkout. The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227). Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Extensive coverage to help keep your pet healthy

$20,000

Annual Coverage

90%

Reimbursement Rate

Overview

Pumpkin offers high-quality pet insurance plans for cats and dogs as well as an optional non-insurance preventive care plan for vaccinations, key tests and wellness exams, which will help to keep your pet happy and healthy through their life. You can travel with your pet in Canada or the US and can get access from any licensed vet in these countries. The platform is entirely digitized and serves as a one-stop-shop for all your pet's healthcare needs.

Pumpkin will cover up to $20,000 for dogs and $15,000 for cats annually.

What we like

  • Extensive coverage on multiple health issues
  • Optional preventive care plan that reimburses in full for annual wellness exams and vaccines
  • No exclusion on breeds or older pets
  • Offers a Fur Family Discount on multiple pets
  • Healthcare coverage in Canada and the US

What we don't

  • Pre-existing health conditions not covered
  • Pumpkin only covers dogs and cats

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company, a Crum & Forster Company (NAIC #21113, Morristown, NJ) and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement. Paid Endorsement.

Affordable prices with a fast reimbursement process

$100,000

Annual Coverage

90%

Reimbursement Rate

Overview

Lemonade has earned a stellar reputation in the pet insurance industry with its affordable monthly premiums and fast reimbursement of claims with its AI technology. This technology has attracted thousands with its customizable policies and provides comprehensive coverage on illness and accidents to dogs and cats.

What we like

  • Customizable plans so you only pay for coverage that your pet needs
  • Claims are reimbursed in minutes
  • Affordable monthly premiums starting at $10/month
  • Comprehensive wellness plans to keep your pet in good health
  • Pay deductible once per year and not per incident

What we don't

  • Lemonade is only available in 33 states
  • Certain hybrid breeds may be denied

Pre-existing conditions and 6 pets covered for $19/m

$3,000

Annual Coverage

100%

Reimbursement Rate

Overview

Pawp offers pet owners an emergency fund up to but not exceeding $3,000 annually. The platform is different from other traditional pet insurance agencies as it does not require you to provide a medical examination report before enrolling your pet. Whether your pet is healthy or has been diagnosed with a pre-existing condition, you can still enroll it and access the emergency fund when the need arises.

With no deductibles and low monthly premiums as low as $19, the digital platform will protect your furry friend during an incident and save money from large vet expenses. Although the agency does not provide any limitations on age, it is best to insure your pet while still young and be prepared in advance when an emergency occurs.

What we like

  • Monthly premiums as low as $19
  • Allows coverage on 6 pets for $19 a month
  • Allows enrollment of pets with pre-existing conditions
  • 24/7 unlimited access to Pawp’s virtual vet doctors

What we don't

  • Coverage is restricted to healthcare emergencies only
  • Does not offer wellness coverage
  • Emergency funds can be accessed only once per year

Is pet insurance for an American Staffordshire Terrier worth it?

We want the best for our dogs – the best food, the best toys, and of course, the best care. American Staffordshire Terrier dogs are susceptible to certain medical conditions and ailments that may require treatment from a vet at some point in their lives. In these instances, you will want to ensure they get the care they need to help them stay healthy and happy.

Sometimes, though, medical treatments for our pets can add up quickly and get to be too expensive to handle in some cases. You never want to be in a situation where you need to forego medical treatment for your American Staffordshire Terrier due to the cost. 

To avoid these uncomfortable scenarios, you will want to consider investing in pet insurance. Pet insurance helps you afford the various treatments and procedures your dog may need throughout their life, allowing you to focus on making sure they get better. This type of insurance coverage will alleviate the costs associated, and you can get your dog the medical attention it needs.

Common health conditions for an American Staffordshire Terrier

Some of the most common health issues to stay aware of for your American Staffordshire Terrier are:

  • Dental disease: American Staffordshire Terriers are more likely than many other dog breeds to experience dental disease starting from a young age. Beginning with excessive tartar buildup, dental disease can progress to losing teeth and eventually organ failure if left untreated.
  • Obesity: American Staffordshire Terriers are susceptible to obesity, which can lead to many other health issues as the obesity progresses. Joint issues, heart failure, and other health problems are common in dogs that become obese.
  • Knee issues: This dog breed is genetically predisposed to knee issues, including tearing of knee ligaments. This can be caused by running, and can eventually progress to long-term knee damage if left untreated.

What does pet insurance cover for an American Staffordshire Terrier?

Most pet insurance plans cover a variety of procedures and treatments for American Staffordshire Terrier dogs. Each plan differs in what specifically they have to offer, but most distinguish between injury-only, illness-only, or a combination of illness and injury coverage. Some of the most common coverage options pet insurance plans cover include:

  • X-rays and surgeries: If your American Staffordshire Terrier injures their knee or other joints while running around, they will likely need an x-ray and surgery to fix more serious issues. Most pet insurance plans will cover the costs associated with these procedures and treatments.
  • Hereditary and genetic conditions: American Staffordshire Terrier dogs have some genetic and hereditary conditions that are more susceptible to than other breeds. Treatments for these conditions are often covered under most pet insurance plans.
  • Hospital stays and medication: Should your dog need to stay overnight at the hospital, they will be covered under your pet insurance plans. Additionally, if they need medication following any hospital treatments or procedures, the costs of the medication will also be covered.

While pet insurance plans cover a wide variety of medical procedures, they do not cover everything your pet may need. Most insurance providers will not cover pre-existing conditions that were established before you registered your pet for coverage. Be sure to review everything your potential pet insurance plan covers and what types of pre-existing conditions they exclude to ensure your pet will be eligible for coverage.

How are premiums determined for an American Staffordshire Terrier?

Insurance premiums vary from provider to provider and are determined based on several factors. Some of the most common factors that go into deciding a pet’s specific insurance premium costs include:

  • Insurance plan details: The unique details of your plan will factor into your pet insurance plan’s premium costs. The medical insurance plan details, including what medical procedures it covers, as well as the deductible and overall coverage cap, will determine your insurance monthly premium.
  • Location: Where you are located will help to determine your overall pet insurance premium cost. If you are located in an area that has a less veterinary services available, you may be required to pay more overall for your insurance premium. 
  • Gender: Your American Staffordshire Terrier’s gender will factor into their pet insurance premium. Typically, coverage for male dogs is likely to be more expensive than for female dogs.
  • Age: Your dog’s age will also factor into the insurance premiums for coverage. Older dogs are more likely to develop serious medical issues that require more medical treatment and result in a higher overall pet insurance coverage premium.

How to choose the best pet insurance for an American Staffordshire Terrier

It can be hard to determine which pet insurance plan is best for your American Staffordshire Terrier. There are plenty of plans available to choose from, so try to keep these factors in mind as you determine which options are the best:

  • Compare plan details: Once you’ve been able to narrow down a few potential plans for your American Staffordshire Terrier, you will want to compare and contrast plans and what they have to offer. Plans differ in the specific treatments they cover, as well as the details of the deductible and coverage caps. Take a look at each and see which one makes the most sense for your dog.
  • Consider your dog’s medical history: Depending on the types of medical treatments and procedures your dog may need, you will want to ensure your potential pet insurance plan covers them. Based on your pet’s medical history, anticipate certain procedures they may need throughout their life to see if it is covered by your plan.
  • Read customer reviews: Take the time to read the available customer reviews and see what current customers of your pet insurance plan have to say. Try to get a gauge on how your potential provider handles customer inquiries, as well as claims processing to understand how they will handle your claims if you submit one.